A nurse has decided to obtain individual professional liability insurance. In general, which type of insurance is best for most nurses?
1. Certificate-based
2. Employer-sponsored
3. Occurrence-based
4. Claims-made
The nurse understands that the professional liability insurance provided by the hospital where he works is a claims-made policy. Which claim would the nurse expect this policy to cover?
1. A claim that was filed 3 months after the hospital purchased the policy
2. A claim that was filed while the hospital and insurance company were negotiating about the policy
3. A claim filed for an event that occurred during the coverage period that was filed after the hospital changed carriers
4. Any claim filed as long as it was within 30 days of the end of the policy
The nurse has been named in a lawsuit claiming a patient was injured due to her negligence.
The nurse dropped her personal professional liability insurance several months ago, but believes the policy may have been in effect at the time of the incident. In which part of the policy would the nurse look for information about the coverage period? 1. Deductibles
2. Exclusions
3. Declarations
4. Liabilities
A nurse has been named in a lawsuit. The nurse's insurance company has declined to cover any costs until policy exclusions have been verified. What would the nurse expect the company to review?
Note: Credit will be given only if all correct choices and no incorrect choices are selected.
Select all that apply.
1. Length of employment
2. The insured's educational preparation
3. Length of time the nurse has been registered
4. Licensure of the insured
5. Nature of the insured's work
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